Insurance Coverage Offers from Qatar Islamic Insurance
The Qatar Islamic Insurance Company, QIIC, is one of the oldest, leading insurance companies in Qatar. It was established in 1995 and is one of the first insurance companies to introduce the Takaful (Islamic) insurance services. QIIC is Sharia-compliant (that is, operating under the Sharia laws and directives). It is also the first insurance company providing online insurance services and products in the region. There are six insurance coverage offers from Qatar Islamic Insurance Company, these are: Motor, Medical, Travel, Housemaid, Home, Yacht & Boat. In this article, we discuss these insurance coverages in details.
Insurance Coverage Offers from Qatar Islamic Insurance
1. Motor Insurance
QIIC’s motor insurance is tailored to suit your lifestyle, whether you own a super car or an SUV. QIIC boasts ease and affordability with its car insurance plans.
What does QIIC cover?
- Own Damage: Covers damage to your car in case of accidents
- Personal Injuries: Injuries you may suffer in an accident
- Fire & Theft: In the case of a robbery or fire, your vehicle is covered and protected
- Third Party Liability: Covers you for damages you may cause to others
- Agency Repair: Your insured vehicle can undergo its repairs in the agency for up to 3 years
- Windscreen Damage: In the event of breakage to the insured vehicle’s windscreen, damages will be restored to new.
What are the types of motor insurance plans from QIIC?
- Gold Comprehensive: The QIIC Gold Comprehensive Car Insurance plan encompasses the costs associated with repairing your vehicle, as well as those of the third party’s vehicle, and covers any potential medical expenses that may arise. It also provides add on covers that guarantees its premium holder’s peace of mind.
- Standard Comprehensive: This plan provides basic car insurance cover as well as third party liability protection and property damage.
- Third Party: This is the minimum insurance plan which provides coverage for third party liability. That is, it offers you protection on injury or damage caused to someone or a property with your vehicle. This type of insurance does not cover you or your vehicle.
They also offer roadside assistance (as optional add-ons to your plan). Roadside assistance include the following:
- Lock Out Service
- Battery Boost Service
- Flat Tire Repair
- Emergency Fuel Service
- Loss of Personal Belongings
- Free Car Registration Service
- Emergency Fuel Service
2. Medical Insurance
QIIC offers various medical insurance plans, which are suited for you and your family’s health needs. These plans are:
- Balsam Visitors: This plan covers the health needs of visitors coming into Qatar to visit a Qatari resident. It is available for purchase even before the departure of your visitor, coming in from any part of the world.
- Balsam General: This is the basic/standard medical insurance cover for its policy holder. It covers all expenses incurred either as an outpatient or an inpatient. These expenses may include diagnosis, treatment and medications.
- Balsam Bronze: Offers more cover than the general plan, with reasonable pricing and and optional routine dental cover.
- Balsam Silver: With an addition of routine dental care and major dental care, this plan offers its policy holder even more. It allows you to choose a comprehensive coverage best suited to your health needs while also giving room for an optional vision care if required.
- Balsam Gold: This is an exclusive and all inclusive health plan that is available to members (in-patients and out-patients) who want to enjoy the full benefits of owning a medical insurance plan. It also covers routine and major dental care, while providing the option of vision care.
What are the general coverage of QIIC’s Medical Insurance?
- Emergency Medical Assistance: Emergency Medical Assistance, Covid Coverage
- Hospitalization Benefit: Hospital charges, Cancer and kidney dialysis treatment , Pre/post hospitalization treatment, Home nursing
- Outpatient Benefit: GP Doctor Consultation, Prescribed medicines, Health check-ups, Vaccinations
- Optional Dental Benefit: Routine dental checks, Extractions, Implants, Crowns
- Optional Vision Benefit: Eye checks, Eyeglasses or contact lenses.
3. Travel Insurance
QIIC offers travel insurance plans that allows its holders to enjoy a worry free travel. These plans include:
- Visit Qatar: This plan is available to visitors coming into Qatar from any country of the world. It covers health/medical expenses. Also, it can be purchased before the visitor departs his/her home country.
- Travel Schengen: This travel insurance plan is made compulsory for purchase if you are traveling to any Schengen country.
- Travel MENA: A compulsory travel insurance for people traveling into any Middle Eastern country.
- Travel Worldwide: This travel insurance plan is suitable for families and individuals who travel either for business or pleasure to any parts of the world. This does not cover trips to the United States of American and Canada.
- Travel Worldwide Plus: Suitable for families and individuals who travel either for business or pleasure to any parts of the world, including the USA and Canada.
General Coverage of QIIC’s Travel Insurance
- Overseas Emergency Medical Expenses & Hospitalization.
- Loss of Personal Baggage, Personal Money & Passport during your trip.
- Baggage Delay.
- Travel Delayed Departure.
- Liability for harm or damage you accidentally cause
- 24-hour emergency assistance
- Emergency medical evacuation & repatriation in case of illness or accident.
4. Housemaid Insurance
This is the type of insurance that covers your house maid and her family in a case where she suffers any kind of accident. The types of maid insurance plans are:
- Maid Basic: A regular plan that gives your maid a comprehensive coverage.
- Maid Advance: This plan provides comprehensive coverage for your maid as well as allows you to include optional add-ons.
- Maid Enhance: An enhanced plan that gives your maid maximum comprehensive coverage as well as add-ons.
What Does The Maid Insurance Cover?
- Personal accident protection
- Treatment Cover
- Protection Against Illness Death
- Protection Against Accidental Death
- Protection Against Temporary Total Disablement
- Protection Against Permanent Total Disablement
5. Home Insurance
This insurance covers any accident, loss or damage to your home, including your valuables, family or belongings. It covers against rain, snow, fire or flood.
QIIC offers one home insurance plan which is the Home Standard Plan.
What The Home Insurance Covers
- Loss and damage to insured home
- Protection against Fire
- Accidental damage for contents & building
- Protection against theft
- Protection against water damage
- Unexpected events & natural calamities
- Protection against earthquake
6. Boat and Yacht Insurance
Qatar Islamic Insurance Company offers insurance coverage for watercrafts either publicly or privately owned. These plans include:
- Private: This plan covers loss or damage to your boat or yacht while offering comprehensive insurance with an optional personal accident coverage.
- Commercial: This covers loss or damage to other party watercraft and also offers an optional personal accident coverage.
What The Boat and Yacht Insurance Covers:
Third Party liability cover
- Physical Loss or Damage to third party boats caused by Collision, Fire and Theft
- Liability for bodily injury or damage to the property of others
- Towage and assistance if your boat gets stranded
- Search & Rescue / Emergency Services Coverage
- Comprehensive cover (damage to your boat plus third party cover)
Visit the Qatar Islamic Insurance Company’s website to read more on these insurance plans and also get a quote if they suit your needs.
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